Personal Loans

Fixed Rate

Our fixed-rate Personal Loan is a quick way to get a lump sum of cash for debt consolidation, your next vacation or covering unexpected bills.

  • Amounts up to $25,000
  • Online Banking access for payments and account information
  • Automatic payment options

Line of Credit

With no initial advance required, a Personal Line of Credit makes sense for Overdraft Protection on your checking account, or just in case you need a little extra cash for that overdue vacation. You'll benefit from our low fixed rates, and convenient access to your money.

  • Credit line up to $25,000
  • Online Banking access 
  • No cash advance fees
  • No balance transfer fees
  • Automatic payment option

Personal Loan Rate

APR* as low as


Apply Now

Line of Credit Rate

APR* as low as


Apply Now

*APR = Annual Percentage Rate. Click for complete details.

Table data for Personal Loan
 Effective 03/13/2024
Term APR As Low As1 Alert Me
Up to 60 months 11.99% Receive a notification when this rate changes
Representative Example: A $10,000 loan financed at 11.99% APR1 for 60 months would result in 60 payments of $222.48. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. No prepayment penalty.
  • 1APR = Annual Percentage Rate

We want to help you build your credit.

If you have experienced financial challenges that have affected your credit score and need to rebuild it, oCredit Repairr if you are trying to start building your credit history from scratch, our Credit Builder Loan is a great fit for you.

How it works:

  • Choose the amount you want to borrow from $1,000 to $3,000.
  • The loan proceeds are placed in a secured certificate that the credit union holds in your name as collateral for the loan.
  • You can pay back your loan over terms that vary from 12 months to 36 months.
  • After your loan is paid in full, the remaining funds held for collateral are yours to keep.
  • By the end of the loan, you will have built up your credit and as an added bonus, you will also have started saving for your future!

Plus, our Credit Builder Loan has the same great rates as our Personal Loans!

*The Credit Builder Loan is a fully secured loan. Loan proceeds are placed in a Gain FCU certificate account and fully secure the new loan. Member receives no proceeds at funding. As the loan is repaid, the funds in the certificate become available to the member. Gain FCU does not represent, guarantee, or promise this loan will improve a member's credit score. Members need to make all payments on time. This is a fixed rate loan. Complete credit application required. Must be a member in good standing.

This is just one episode of The Better Banking Podcast. Download all episodes to hear more!

The Better Banking Podcast

Subscribe on Apple Podcasts
Subscribe on Google Podcasts
Follow us on Stitcher
Follow us on Spotify

Protect your loan. Help preserve your standard of living.

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen. You're betting you can pay back your loan and you won't lose your job (to no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

Protection that matters.

If a protected life event happens to you, Debt Protection will cancel or reduce repayment of your loan debt-helping to lessen your worries about paying loans during a time when your income may be reduced or lost and paying other bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Help play it safe.

Debt Protection* is a voluntary loan-payment protection product that helps ease the financial burden of delinquency, default, or foreclosure if a protected life event happens to you. And, simple eligibility requirements ease the enrollment process.

For more information call us at (818) 846-1710.

*Debt Protection is a product offered by Gain Federal Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.